The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$25,850
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,654
−HK$817/mo
Today · 4.125%
HK$27,471
baseline
▲ 0.50% · 4.625%
HK$29,143
+HK$1,672/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,942/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,758
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,529
−HK$783/mo
Today · 4.125%
HK$30,312
baseline
▲ 0.50% · 4.625%
HK$31,910
+HK$1,598/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,624/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,020
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,985
−HK$981/mo
Today · 4.125%
HK$32,966
baseline
▲ 0.50% · 4.625%
HK$34,971
+HK$2,005/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,932/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,510
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,435
−HK$939/mo
Today · 4.125%
HK$36,374
baseline
▲ 0.50% · 4.625%
HK$38,292
+HK$1,918/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,748/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,190
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,316
−HK$1,144/mo
Today · 4.125%
HK$38,460
baseline
▲ 0.50% · 4.625%
HK$40,800
+HK$2,340/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,920/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,261
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,341
−HK$1,096/mo
Today · 4.125%
HK$42,437
baseline
▲ 0.50% · 4.625%
HK$44,673
+HK$2,236/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,874/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,530
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,978
−HK$1,470/mo
Today · 4.125%
HK$49,448
baseline
▲ 0.50% · 4.625%
HK$52,457
+HK$3,009/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,896/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,765
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,153
−HK$1,408/mo
Today · 4.125%
HK$54,561
baseline
▲ 0.50% · 4.625%
HK$57,437
+HK$2,876/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,122/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,121 · Scale 2, in force from 26 Feb 2026)